It’s shocking but the vast majority of auto insurance customers kept buying from the same company for four years or more, and 38% of drivers have never even compared quotes to find cheap rates. Many drivers in Nebraska can save up to 30% each year just by shopping around, but they don’t believe the benefits if they bought a different policy.
The best way to get affordable Nissan Maxima insurance is to begin comparing prices regularly from insurers who sell auto insurance in Omaha. Drivers can shop around by following these steps.
Step 1: It will benefit you to learn about the different coverages in a policy and the factors you can control to prevent expensive coverage. Many things that result in higher prices such as accidents, careless driving, and your credit history can be remedied by paying attention to minor details. Keep reading for the details to prevent rate hikes and earn a bigger discount.
Step 2: Request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive or State Farm, while independent agents can provide price quotes from multiple companies.
Step 3: Compare the new rate quotes to your existing rates and determine if there is any savings. If you can save some money and switch companies, verify that coverage does not lapse between policies.
Step 4: Give notification to your current company to cancel your current car insurance policy and submit the signed application along with the required initial payment to your new insurance company. Be sure to store the proof of insurance paperwork in an accessible location in your vehicle.
The key thing to know about shopping around is to try to use the same coverage limits and deductibles on every quote and and to look at as many companies as you can. This ensures a fair rate comparison and maximum price selection.
Locating the best rates in Omaha is easy if you know what you’re doing. If you have insurance now, you will most likely be able to find the best rates using the concepts you’re about to learn. Drivers just have to use the quickest way to compare prices online.
The easiest way to compare rate quotes for Nissan Maxima insurance in Omaha is to take advantage of the fact most larger insurance companies provide online access to provide you with free rate quotes. The only thing you need to do is provide a small amount of information including the year, make and model of vehicles, level of coverage desired, if you require a SR-22, and how old drivers are. Your information is sent automatically to all major companies and they return quotes very quickly.
To find the cheapest Nissan Maxima insurance rates, click here then complete the form.
The providers in the list below offer quotes in Omaha, NE. If you want the best auto insurance in Omaha, we suggest you click on several of them in order to get a fair rate comparison.
Nissan Maxima insurance rate analysis
The price information displayed next highlights estimates of coverage costs for Nissan Maxima models. Learning as much as possible about how car insurance prices are formulated is important for you to make informed decisions.
|Maxima 3.5 S
|Maxima 3.5 SV
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Premium costs do not factor in Omaha location which can impact coverage prices significantly.
The example below demonstrates how choosing different deductibles and can impact Nissan Maxima insurance premiums for each age group. The premium estimates are based on a single male driver, full physical damage coverage, and no discounts are applied.
Illustration showing the impact of accidents and violations
The diagram below demonstrates how speeding tickets and at-fault collisions can raise Nissan Maxima yearly insurance costs for different categories of driver ages. The premiums are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.
Should you buy full coverage?
The diagram below shows the comparison of Nissan Maxima auto insurance rates with full coverage compared to only the Nebraska minimum liability coverage. The costs are based on no claims or driving violations, $250 deductibles, single marital status, and no discounts are applied to the premium.
Are you wasting money on full coverage?
There is no set rule of when to exclude comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is more than around 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s pretend your Nissan Maxima settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $8,000 after you pay the deductible. If it’s costing you more than $800 annually for your policy with full coverage, then it might be time to buy liability only.
There are some scenarios where only buying liability is not advised. If you still have a lienholder on your title, you have to carry full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not consider dropping full coverage.
Choices You Make Can Impact Your Insurance Rates
Many factors are considered when you quote your car insurance policy. Some factors are common sense such as your driving record, but others are not as apparent like your vehicle usage and annual miles driven.
- Policy add-ons may be wasting money – There are a lot of extra add-on coverages that may not really be needed if you aren’t diligent. Add-on coverages like personal injury protection, accident forgiveness, and additional equipment coverage may not be needed and are just wasting money. These may sound like a good investment initially, but if you have no use for them eliminate the coverages to reduce your premium.
- Consider raising coverage deductibles – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Nissan. Some instances where coverage would apply are a broken windshield, damage from fire, and rolling your vehicle. Physical damage deductibles define the amount you are required to spend out-of-pocket if a claim is determined to be covered. The higher the amount you choose to pay out-of-pocket, the lower your rates will be.
- Don’t skimp on liability coverage – Liability coverage will afford coverage if you are responsible for personal injury or accident damage. It will provide legal defense coverage to attempt to prove you were not liable. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.
Younger vs. older drivers – More mature drivers tend to be more responsible, cause fewer claims and accidents, and usually have better credit. Teen drivers tend to be careless and easily distracted when driving so insurance rates are higher.
The chart below assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.
Does car insurance cost more for guys? – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Both genders cause fender benders at a similar rate, but the male of the species tend to have higher claims. In addition to higher claims, males also get ticketed for serious violations like DUI and reckless driving.
The chart below shows the comparison of Nissan Maxima insurance premiums for male and female drivers. The premiums assume no claims or driving violations, full physical damage coverage, $500 deductibles, single status, and no discounts are taken into consideration.
- More people means more accidents – Residing in small towns and rural areas has it’s advantages if you are looking for the lowest rates. Drivers who live in large cities regularly have traffic congestion and longer commutes to work. Fewer drivers on the road means reduced accidents and a lower car theft rate.
Choosing Nissan vehicle insurance is an important decision
Even though it’s not necessarily cheap to insure a Nissan in Omaha, maintaining insurance serves an important purpose.
- Just about all states have mandatory insurance requirements which means you are required to buy specific minimum amounts of liability insurance in order to drive the car. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you bought your Nissan with a loan, more than likely the lender will require that you have comprehensive coverage to guarantee payment of the loan. If the policy lapses, the bank may buy a policy for your Nissan for a lot more money and force you to pay for the expensive policy.
- Insurance protects not only your car but also your assets. It will also reimburse you for medical bills for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car more than cancel out the cost, specifically if you ever have a liability claim. The average driver in Nebraska overpays more than $850 per year so compare quotes from several companies once a year at a minimum to make sure the price is not too high.
Best car insurance in Nebraska
Picking a high-quality insurance company is hard considering how many different companies there are to choose from in Omaha. The company rank data displayed below can help you select which companies to look at when looking for cheaper rates.
Top 10 Omaha Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Liberty Mutual
Top 10 Omaha Car Insurance Companies Overall
- 21st Century
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- American Family